I think the biggest difference between Change and Bankera is that Bankera is looking to act like a traditional bank - one centralized platform where Bankera offers a range of financial services, just like any bank. Change is essentially the contrary to it.

The philosohpy behind the Change model is the understanding that banks which focus on all main financial products at once (like Bankera) don't really excel in any product and therefore offer mediocre services. We at Change believe that fintech companies, which specialize in one financial product, offer a much better service than a traditional bank.

If Change aggregates many fintech companies together into one marketplace, then a customer of Change gets to cherry pick the best loan offerings, ETF investments, real-estate investments and insurance options the market has to offer.